It seems as though there’s always something to shop for. Upcoming birthdays, new clothes for the kids, work clothes…the list can go on! Whenever I have something to purchase I tend to always look online first.
In most cases I find it easier then hauling a kid around that will most likely put up a fuss at some point during our outing. 😉 I also enjoy reading the reviews that other buyers have left if I’m contemplating a product that I’m not really familiar with.
Now, if you have your list in hand, budget in mind and are ready to begin shopping, here are 4 ways to save money with online shopping in Canada:
Use Coupon Codes
A simple tip, but learn to look for coupon codes! If you’re going to purchase something online, start by doing a simple search online for a coupon code that could save you money. To find a coupon code, simply do a Google search for the store you would like to make your purchase at!
Or, my favourite right now is Honey! Honey finds and applies coupon codes at online checkouts for you so you can get back to the more important things in your life quickly. Basically, it’s amazing because Honey finds the deals on the things you need without any effort on your part.
Shop through a Cash Back Site
Why not get a percentage of your money back for making an online purchase through a cash back site? Cash back sites work together with online stores to offer you a percentage back as a rebate. Usually somewhere between 3-6%. It’s nice to get some cash back on something you were going to purchase anyway!
I highly recommendRakuten.ca. Rakuten is an awesome site that pays you Cash Back when you shop online. With over 750 stores, including Hudson’s Bay, Indigo.ca, Old Navy, and Sephora, get paid to shop for things you’re already buying.
Bonus, join today and spend $30 within 90 days of your sign up day, and you’ll receive a $30 bonus!
Don’t pay for shipping
I really don’t like paying for shipping. Quite often the cost of shipping can be a deal breaker for me. Especially when the shipping costs more than the product I’m buying! For this reason, I like buying from Amazon.ca, Well.ca and Indigo.ca for example, since you only have to spend $30 or $35 to get free regular shipping.
Most of the time, retailers offer free shipping when you spend a certain amount. Occasionally, they offer a coupon code for free shipping. However, I think it’s best if you shop when a store is offering free shipping without a coupon code. This way, you can also use a coupon code to save on the cost of the product, since many stores don’t let you combine coupon codes.
It pays to be patient so you can score free shipping when companies offer it.
Go in with a friend
You can also save on shipping by chipping in! Ask your sister-in-law, ask a friend, ask a neighbour, or ask a co-worker. If you all shop online regularly, check with each other before placing an order. Splitting the shipping can be an effective cost saving measure, especially when done time and time again!
By combining coupon codes, rebates and free shipping, you should be able to get a great deal on all your online purchases! Do you prefer shopping online or in store? Do you have any additional tips for saving money when shopping online?
It’s extremely important for any family to intentionally take the time once in a while to have fun as a family. Life can be very busy so making a conscious effort to slow down together without the demands of other friends/family/work/school can be so beneficial.
Family fun, however, does not have to cost a lot! Sure, there are activities that can cost a lot (and those are fun!), but there are so many fun cheap family activities too.
With Family Day in Canada quickly approaching, I thought I’d share some ideas for cheap family fun!
Cheap Family Activities:
Have a picnic inside
Start your garden seeds inside – Use this as an opportunity to teach your children about patience, responsibility and how things grow!
Movie night – Pick a movie that you haven’t watched in a while and make some homemade microwave popcorn! We’ve been having fun watching some of the movies my husband and I watched when we were kids.
Have a theme night/day – Mexican, Italian, pirate…the list goes on. Plan dinners and activities around your theme!
Have a craft night – paint, sew, make bracelets, draw…etc!
Head to your local library – stock up on reading material or even sit in on story time!
Have a game night – pull out those board games and cards!
Unplug – Turn off the cell phone, TV, computer and just reconnect with your wonderful family!
Shop at a thrift store together.
Have a dance party.
Build stuff with Lego.
Make everyone a nice warm drink, then read together with your own books.
Go bird watching – see how many different types of birds you can spot. Maybe bring along a bird book from the library.
Go ice skating – many ice rinks offer free skating on certain days
Build an indoor fort – camp out in it or have a picnic in it!
Have another family over for dinner – this is way cheaper then eating out!
If it’s a holiday weekend, see if there are any free events taking place.
Visit a local ski hill and wander around. Maybe grab an inexpensive treat to enjoy.
Valentine’s Day is around the corner so today’s post is going to focus on low cost date ideas! I’m not only going to list frugal ideas to do with your significant other, but also ideas you can use with any special kids in your life. After all, it’s crucial to any important relationship, that you spend some quality one-on-one time together.
However, when money is tight, it’s hard to justify spending money on a “date”. Even dinner and a movie can really add up! With that in mind, I hope you enjoy my ideas for low cost date ideas the whole family can enjoy:
Date-Night with your significant other:
Visit a Winery or Brewery – This can really be a fun and informative afternoon! Most wineries and breweries offer free tours that include free tastings at the end.
Use those Daily Deal Sites – Keep an eye on those daily deal sites like Groupon and WagJag. I often see offers for romantic getaways, restaurant deals and even local attractions. You’ll save yourself a big chunk of money if you take advantage of a deal, especially if you intended on heading out on the town anyways!
Wash the Car Together – Sometimes doing the mundane chores together can be a blast and a great way to catch up. This is a great idea for when life is so busy you’re having a hard time finding a solid chunk of time to spend together.
Get back to your Roots – Did you use to love playing a particular board game together in your younger dating/married years? Pull it out and play it once again. Or maybe you used to love browsing the thrift stores together? Or enjoyed the satisfaction of volunteering? Do something that takes you back to the early days!
Go for a Drive – One year for our anniversary, with a new baby in tow, we took a scenic drive and stopped at a quaint little coffee shop in a nearby town. This was one of our most memorable dates!
Dinner at Home – Not a new idea at all, dinner at home, but how about calling up your date’s mother to get the recipe for their favourite childhood meal? Or if you both enjoy a fancy meal, how about going all out at the grocery store to recreate your favourite fancy restaurant meals? The thought of a picnic on the floor might hit the spot as well! Maybe this year could be your first fondue?
Go to the Beach – Obviously for the warmer months, but we like to bring along a couple of chairs and some good books and spend the afternoon relaxing at the beach. When we get hot, we just jump into the water!
Go for a Hike – or snowshoeing since it’s winter! My husband and I are really fond of hikes. There’s just something about enjoying nature together and getting a little bit of exercise at the same time. Plus, our region has some pretty fantastic hiking locales if I do say so myself.
Date-Night with your Children/Whole Family:
Get the ideas flowing with these suggestions that will work for one on one dates with your children or for the whole family unit!
Have a Picnic – Inside or outside depending on the weather. Pack some sandwiches, a fun beverage and an extra special treat that will be enjoyed.
Have a Movie Night in – grab a movie off the shelf that you haven’t watched in a while or find something on Netflix and make some homemade microwave popcorn!
Have a Theme Night/Day – Mexican, Italian, pirate…the list goes on. Plan dinners and activities around your theme!
Have a Craft Night – Paint, sew, make bracelets, draw…etc! This would have been a dream date with my mom when I was younger. Actually, now that think about it, we used to spend quite a few nights making greeting cards!
Head to your Local Library – Stock up on reading material or even sit in on story time!
Go Bird Watching – See how many different types of birds you can spot. Maybe bring along a bird book from the library. Here’s are some free Bird Watching printables you may enjoy.
Build an Indoor fort – Grab all your blankets, pillows and boxes to create an epic indoor fort. Camp out in it or have a picnic in it!
Check out the free community events offered in your area – Many of the free community events are geared towards family fun.
Go for a Nature Walk – Bring along a bag that you can use to collect all sorts of neat nature things in. Bring the bag home and create some crafts using your haul.
Have a Garage Sale – Involve the kids and help them set up a lemonade or hot chocolate stand. They’ll have fun earning some money and you’ll all enjoy being together!
Go Ice Skating – I recently took my daughter out for the very first time and she had a blast. While she refused to try on the skates, she had fun building her confidence on the ice wearing her boots. We have several local rinks that offer free family skate times, so yours may as well.
Many of these low cost date ideas can be adapted to every season, but the important thing is that you get out there and have fun together as a couple, parent/child or family! Enjoy each other!
Sometimes, the secret to saving money is actually spending a little more money in the first place.
As long as you spend it on the right things, that is.
That might sound illogical, but in reality, it can make a lot of sense when you start thinking about long-term savings.
This is where thoughtful, intentional spending comes in to play.
In this article, I’m not going to be talking about gadgets that you will only use once, like a Cake Pop Maker for example. I am going to list out products that you will use time and time again, allowing you to see financial savings in the long run. Smart purchases that will save money in the long run!
On that note, to help you save cash and satisfy your gadget purchasing desire, I’ve rounded up 22 smart purchases that will end up saving you tons of cash in the long run. The best part? They don’t require you to change any of your everyday habits.
Smart purchases that save money:
Low flow shower head – Why not have a great shower and save water at the same time? A low flow shower head doesn’t cost a lot to replace, but the savings on your water bill will really pay off in the long run!
LED light bulbs – While they cost more upfront, LED lightbulbs are a smart choice in your home. they save money on your energy bill and last way longer than incandescent light bulbs. There are many different options to get just the right color warmth that you like.
Solar powered outdoor lights – Light up your yard to add safety and ambiance by using solar powered outdoor lights. Once purchased, these won’t cost a cent on your energy bill!
Drying rack– Do we always need to use the dryer? You can save a lot of electricity by using a drying rack instead! You will also find your clothes last longer too. If you have yard space outside to have a drying line, this is a fantastic way to dry stuff
Smart thermostat – Monitor your energy usage easily with a smart thermostat in your home! This will adjust heating/cooling according to your schedule. You can even control it from anywhere using your Android or iOS device. No more heating and cooling an empty house when you’re gone!
Reusable food storage bags – Stop throwing plastic bags (and money) in the trash. These reusable storage bags are easy to clean and ready to use for a long, long time. I especially like that these ones are self-standing…makes it easy to fill!
Brita water jug – Very, very rarely will we buy bottled water. We do, however, use our Brita every single day. We fill up glasses at home or fill our reusable water bottles for adventure days.
Reusable water bottle – Speaking of reusable water bottles, never buy bottled water again! I really like this Simple Modern one. My daughter uses it for school and dance and it never leaks! Even when it’s on its side.
Air fryer – Hear me out on this one. It might seem like a gadget, but our air fryer has really made my life better. It has made lunch making and heating up leftovers a breeze. Let’s not forget to mention that it saves so much money because I’m not getting takeout as often!
Wool Dryer balls – These don’t seem like anything special, but this is one of those purchases that save money like crazy. They save money on fabric softeners and dryer sheets because they soften naturally. They also lessen the drying time needed so they will save you money on your energy bill.
Rechargeable batteries – If you find yourself going through batteries often, investing in rechargeable batteries is a smart idea!
Fire TV Stick has been a TOTAL game changer for us! We bought one when we decided to eliminate cable tv. It plugs into the back of your tv and has a homepage for all your streaming services. Save a TON of money with the free tv apps it offers.
Hair clipper kit – This one might not be for everyone, but we have saved a lot of money by cutting my husband’s hair at home. I give him a very basic hair cut every 6 weeks or so and he’s always pleased as punch.
Vacuum Sealer – How many times have you thrown away foods that are so badly freezer burned? Well, say goodbye to freezer burnt food by investing in a vacuum sealer. Once you’ve sealed your food, toss it in the freezer and you’ll find it stays fresher for so much longer.
Reusable K Cup Coffee Filter – Those little K-Cups can really add up after awhile! If you own a Keurig machine, think about buying a reusable k-cup coffee filter so you can buy your favourite grounds to use in the filter. You’ll have delicious coffee and save money!
TubShroom – I don’t even remember how I came across this in the first place, but I purchased a TubShroom and LOVE it! It’s been years since we’ve been using one and I will never go back to an ordinary drain protector. It catches so much hair. I’m convinced that this is one of those purchases that save money in the long run.
Makeup remover cloths – I really like those disposable, pre-moistened face towels so I really think these makeup remover cloths would be just as convenient. Plus, they’re reusable of course!
Personal finance books – I’ve got a list of highly rated personal finance books right here. First though, why don’t you see if your library has any copies available?
Memberships – Do you find yourself often visiting the same places and paying the daily rate? It might be time to purchase the membership! Buying a membership to places that you frequent often can save you so much money in the long run. Think swimming pools, science centers, amusement parks and more!
Drain snake – Having a drain snake on hand will without a doubt save you money on expensive drain cleaners that don’t necessarily work. Not to mention, a drain snake could save you having to hire a plumber too!
Bamboo towels – These bamboo towels are such a great idea. Especially if you think it will be hard to get away from using regular paper towels. These bamboo towels are washable and can be used just like how you use regular paper towels.
Fabric Defuzzer – Before you discard of any pilled sweaters or even furniture, try a fabric defuzzer! For less than $15, you can save your favorite things and make them look brand new again with this simple tool!
In conclusion, making smart purchases that prioritize quality and durability is not just a matter of saving money in the short term; it is a strategy for long-term financial well-being. By choosing products that stand the test of time and offer lasting value, you can enjoy the satisfaction of smart purchasing decisions that will contribute to your financial stability. As well as taking steps to be a more intentional consumer.
What are some smart purchases that you would add to the list?
Living the life of a frugal person means living below your means from dawn to dusk. There are many things frugal people do throughout the day that help them save money and help them store funds away for the future. But what are those things exactly? Come on a journey and take a look at a day in the life of a frugal person. These are some of the daily tasks that save them BIG. By knowing more about this day to day living, you too can try implementing these tasks and seeing what a difference they can make for you.
Morning:
1. Make homemade coffee.
Our frugal person doesn’t spring for a $5 specialty coffee. Instead she makes her own at home and saves big. She uses her favorite reusable mug that can be used time and time again.
2. Looks at the Meal Plan.
This frugal person creates a menu plan every week with $5 Meal Plan. So every morning she double checks the plan to see what she might have to pull out of the freezer or pick up at the grocery store in order to stay on track. Her menu plan saves her hundreds of dollars each month and keeps her sane at the dinner time hour.
3. Check the Gas Buddy app.
Before filling up and running and errands, our frugal person checks the free Gas Buddy app to see what gas prices are and where to fill up for less. When she finds a great deal, she fills up at that price.
4. Turn on the slow cooker.
There won’t be any take out traps for this frugal person tonight thanks to her menu plan. Instead, she tosses some chicken, fresh vegetables, and broth into the slow cooker for dinner. She uses canned broth from the stockpile, veggies from the garden, and chicken she bought on sale.
5. Scour the sales.
Our frugal person checks the weekly grocery store flyers to see what’s on sale that week. She then matches the sale prices with the coupons she has on hand. This helps her to make her shopping list for the week while keeping her budget in check. She loves the Budget Planner for keeping track of her budget categories and her savings goals.
Afternoon:
6. Enjoys a homemade lunch.
Whether at work or on the go, our frugal person enjoys a homemade lunch. Today it’s a taco salad using ground beef leftover from last night’s burgers. She uses a refillable water bottle to save money on unnecessary sugary beverages, which also keeps her waistline trim!
7. Swing into the local thrift store.
Frugal people love thrift stores to look for gently used items at a fraction of the price of new. Today, our frugal person finds some frames that can be spray painted to match her décor as well as a table lamp she can use on her night stand. For about $7 total she walks out of the door happy!
8. Give the house a quick clean.
Our frugal person uses vinegar to keep windows sparkling and baking soda to get sinks and drains clean. She doesn’t spend money on household cleaners and instead uses natural products to get the job done for less. A fresh lemon is just what the faucet needs to shine, and a little lemon peel down the drain can get rid of disposal odors.
9. Snag some free reads.
Our frugal person loves looking on Amazon for free eBook downloads. She also loves swinging into the library to grab free movies, CD’s, magazines, books, and so much more.
Evening:
10. Dinner is served.
Our frugal person serves her thrifty dinner. She uses cloth napkins instead of buying disposable paper. She serves lemon water and powdered drink mixes which cost less than pop. When done, she will load the dishes into the dishwasher but wait until it is full before running it.
11. Inexpensive entertainment.
The newspaper lists free events in the area and our frugal person loves looking for them. She finds a free outdoor concert that evening as well as an outdoor movie being shown downtown. There are also budget days at the local movie theatre she enjoys, plus local parks which are fun to visit too.
12. Cheap dessert.
Our frugal person gets on the email lists of all her favorite brands. This way, she gets all sorts of coupons sent to her. Tonight she has a B1G1 FREE coupon to her favorite ice cream place. So tonight, she gets to enjoy dessert for less.
13. Lights out!
Now that it is time for bed, our frugal person turns down the thermostat so it won’t work as hard at night while she is sleeping. She takes a warm shower before bed, using a shower timer and a low flow shower head so she doesn’t waste as much water.
Our frugal person is now asleep, and can dream about all of the money she saved that day! Is the frugal life for you? Give a day in the life of a frugal person a try and see how well the day goes for you!
I’d love to know what your life as a frugal person looks like. Let me know in the comments below!
You’re living on a tight budget. You may have already cut back on your frivolous purchases, but you’d like to save even more money and don’t know where to start. It may take a bit of creativity, but it is possible to find extra savings!
Here are some ideas to help you save money on a tight budget:
Keep your receipts
Most people who feel they are broke and have no way out, actually change their perspective when they find out how much they actually already have and waste. Keeping track of what you spend each monthcan help you make changes to your spending habits which could account for a large chunk of change in the bank.
Evaluate
Evaluate what really is a necessity in your life. Is cable TV really needed at this time or can you use some creativity to occupy your time otherwise? Maybe you have both a land line and a cell phone and perhaps cancelling one is a possibility. Taking a good look at all your recurring expenditures and really evaluating what is an actual necessity (and getting rid of those things that aren’t) will really help you save money on a tight budget.
Prioritize
In North America, people are continuously living outside of their means. It’s impossible to save money if you’re living a $100,000/year lifestyle on a $35,000/year salary. Prioritize what is important to you at this time and get rid of the rest. You may want to put the kids in piano lessons and guitar lessons, but you can’t afford to do both. Pick one, then move on.
Cut out a convenience item
Start by cutting out one convenience item at a time. Do you typically buy packaged cookies? Start baking your own. Rather than purchasing high priced, chemical laden cleaning products, make your own! (Check out my own homemade cleaning kit.) By cutting out one convenience item at a time, you’ll be making little strides towards your savings goal!
Earn more
Of course, earning more money is a great way to add to your savings. Take on a part time job, ask for a raise, turn a hobby into a side business. Just make sure you save your extra, don’t spend it!
Sell what you don’t need
You’ve all heard of Kijiji, Craigslist Facebook Buy & Sell Groups and eBay, I’m sure. I’m also pretty sure you have stuff around your home you don’t need anymore. Sell what you don’t need on one of those previously mentioned sites or have a garage sale, then head to the bank and make a deposit!
Collect change
Make a jar for your spare change then throw it in there. Empty your pockets and change purses every night into the jar. Keep going until the jar is full, then pay a visit to the bank to make a deposit. It’s possible to save hundreds of dollars each year this way!
Shop wisely
Pay attention to how and why you shop. You may discover that purchasing Christmas presents during the Christmas frenzy is expensive and tough on your budget. Why not start buying presents during after Christmas sales or seasonal clearance sales? You undoubtedly have a list of the same people you have to buy for every year so when you’re out shopping, keep an eye open for any gifts they may enjoy.
Another thing that can really help when you’re overwhelmed or paralyzed by the thought of budgeting? Create a plan to stay focused! Check out this thoughtfully made BUDGET PLANNER – pages to help you achieve financial goals, track your bills and spending, discover what you did well, what you need to improve on and so much more!
Money may be a little tight, but choosing to do some of these suggestions could help you save thousands. Decide what you can give up to help you save big and reach those financial goals a bit quicker.
What are you willing to do to make a change in your financial situation? Have you got any other suggestions?
